Data:
Gaz_tracts_national.txt = 2010 Gazetteer file downloaded from U.S. Census Bureau 

Texas.csv = 2010 Census Block Codes by State (Texas) from the Federal Communications Commission

gis_and_demo = GIS and demographic data collected from many sources, primarily Census and FEMA

Psuedo Student Loan Data.csv =
This is PSUEDO-data, it is NOT the actual NYFED/Equifax Consumer Credit Panel data (CCP) used for the analysis featured within the paper. The actual data is proprietary and cannot be released externally. This data is generated from the empirical distributions of the actual student debt information in the CCP for people with student debt. 

After row 678524, we simply generate zero balance observations that reflect the fact that not everyone has student debt. The pseudo data is not representative of the underlying data for people without student debt. 

The pseudo data also does not include extranious credit variables that are not of primary interest (e.g. mortgage balance). It will give a general sense of how each student debt variable is distributed in the aggregate for people with student debt. 

This data is not designed to replicate the actual results in the paper.  The data is designed to "illustrate the format of the files read by the code so that users can better understand the code" per the RFS code sharing policy established in July 1, 2020.





Code:
Student debt setup and analysis.do = the code used to merge, clean and set up the analyis data; also included is the analysis code (beginning on line 715). 

For ease of reproduction, for the main figures of interest, we have also included .grec files, which combine multiple graphs into one large figure, format the graphs, and apply label headers to each graph. 